Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 31 March 2025
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- MBA Commercial Lending Limited (FRN 1012515) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use MBA Commercial Lending's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from MBA Commercial Lending, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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No website on the FCA register
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Phone number
-
Address
Carlton Chambers 16a, The Broadway, Cheam, Sutton, Sutton, SM3 8AY, United Kingdom
In the full report: 2 background checks
- What kind of line 020 8652 5240 is, and the other firm that gives it
- Who else gives the postcode SM3 8AY
Other names (1)
If you were contacted under any of these names, it is this firm.
- MB Commercial Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions Ltd, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 15594452 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 26 March 2024 (2 years old)
- Registered office
- Carlton Chambers, 16a The Broadway, Cheam, Surrey, SM3 8AY, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Monica Bradley | Director | Sep 1966 | 26 Mar 2024 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£7,194
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£1,723
No earlier figure to compare
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 15594452. Figures are exactly as filed; nothing is estimated.
Key dates in its history
MBA Commercial Lending’s history from the FCA register and Companies House, newest first.
2026
23 July 2026
- Began trading as "MB Commercial"
FCA register
2024
18 May 2024
- Became an appointed representative
FCA register
26 March 2024
- Incorporated at Companies House
- Monica Bradley took control (75–100% of shares)
- Monica Bradley appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to MBA Commercial Lending
Other FCA-listed firms that share a director, phone number or address with MBA Commercial Lending. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its phone number
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like MBA Commercial Lending
Other firms of the same type (credit broker), nearest first.
In Sutton
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on MBA Commercial Lending
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 5 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What do MBA Commercial Lending’s latest accounts show?
Does MBA Commercial Lending use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk